Paytm HDFC Bank Credit Card
Paytm HDFC Bank Credit Card from HDFC Bank is covered here with fees, rewards, benefits, exclusions, fuel/forex charges and Zlash's practical verdict for Indian users.
Annual fee: Rs 500 | Reward type: Cashback | Best for: Shopping, Partner Brands, Utility Bills
Estimated value per Rs 100 of eligible spend.
Paytm HDFC Bank Credit Card Overview
Paytm HDFC Bank Credit Card is a HDFC Bank credit card. Base reward value is about Rs 1 per Rs 100 of eligible spend. Zlash checks boosted categories like partner brands, utility bills, movies and entertainment along with caps and exclusions.
Best For
Paytm HDFC Bank Credit Card is most useful when your spends regularly fall into partner brands, utility bills, movies and entertainment.
Rewards
partner brands
3x the base reward rate.
Monthly cap: Rs 500
utility bills
3x the base reward rate.
Monthly cap: Rs 500
movies and entertainment
3x the base reward rate.
Monthly cap: Rs 500
online shopping
2x the base reward rate.
Monthly cap: Rs 500
online shopping
1x the base reward rate.
Monthly cap: Rs 1,000
grocery
1x the base reward rate.
Monthly cap: Rs 1,000
Not Good For
- Spends in excluded categories such as fuel, wallet reloads, education, rent, government spends.
- International transactions if you need low forex markup; this card lists 3.5% markup.
Lifestyle Benefits
Movies and dining: Movie and dining benefit is listed in extracted facts; confirm access rules with the issuer before relying on it.
Fuel And Forex Charges
1% fuel surcharge waiver on eligible fuel transactions.
3.5% foreign currency markup.
Reward Exclusions
Milestone Benefits
- Spend Rs 10,000 in a monthly period for benefit value around Rs 100.
Zlash Verdict
Choose this card when shopping, partner brands, utility bills match your normal spend pattern. Skip it for categories that are excluded from rewards or where another card gives a cleaner direct discount.
This page is generated from normalized card facts, not copied review prose. Zlash uses this structure so card data can power both public SEO pages and future in-app card detail views.
FAQ
What is the annual fee of Paytm HDFC Bank Credit Card?
The listed annual fee is Rs 500.
What is Paytm HDFC Bank Credit Card best used for?
Paytm HDFC Bank Credit Card is most useful when your spends regularly fall into partner brands, utility bills, movies and entertainment.
Does Paytm HDFC Bank Credit Card have reward exclusions?
Yes. The extracted exclusions include fuel, wallet reloads, education, rent, government spends, emi transactions.
How does Zlash use this card data?
Zlash uses fee, reward, cap and exclusion facts to estimate effective prices after eligible payment rewards.